{"id":1732,"date":"2025-10-09T12:57:51","date_gmt":"2025-10-09T12:57:51","guid":{"rendered":"https:\/\/dask360.com\/blog\/?p=1732"},"modified":"2025-11-13T11:40:04","modified_gmt":"2025-11-13T11:40:04","slug":"dask-kapsam-disi-durumlar","status":"publish","type":"post","link":"https:\/\/dask360.com\/blog\/dask-kapsam-disi-durumlar\/","title":{"rendered":"DASK Kapsam D\u0131\u015f\u0131 Durumlar: Sigortan\u0131n Kar\u015f\u0131lamad\u0131\u011f\u0131 Zararlar"},"content":{"rendered":"<p data-start=\"602\" data-end=\"858\"><strong data-start=\"602\" data-end=\"622\">Dask kapsam d\u0131\u015f\u0131<\/strong> durumlar, Zorunlu Deprem Sigortas\u0131\u2019n\u0131n (DASK) teminat alt\u0131na almad\u0131\u011f\u0131 zarar ve ko\u015fullar\u0131 ifade eder. T\u00fcrkiye\u2019de milyonlarca konut sahibi DASK yapt\u0131rmak zorunda olsa da, bu sigortan\u0131n her zarar\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131 s\u0131k s\u0131k g\u00f6zden ka\u00e7\u0131r\u0131l\u0131r.<\/p>\r\n<p data-start=\"860\" data-end=\"1104\">Bu yaz\u0131da, <strong data-start=\"871\" data-end=\"891\">dask kapsam d\u0131\u015f\u0131<\/strong> durumlar\u0131n neler oldu\u011funu, hangi zararlar\u0131n \u00f6denmedi\u011fini, En \u00e7ok sorulan \u201cruhsats\u0131z eve DASK yap\u0131l\u0131r m\u0131?\u201d, \u201cDASK e\u015fyay\u0131 kar\u015f\u0131lar m\u0131?\u201d, \u201carsa zarar\u0131n\u0131 \u00f6der mi?\u201d gibi sorular\u0131n yan\u0131tlar\u0131n\u0131 bulacaks\u0131n\u0131z.<\/p>\r\n<h2 data-start=\"1484\" data-end=\"1520\"><strong data-start=\"1487\" data-end=\"1520\">1. DASK Nedir ve Neyi Kapsar?<\/strong><\/h2>\r\n<p data-start=\"264\" data-end=\"653\">DASK, yani <strong data-start=\"275\" data-end=\"308\">Do\u011fal Afet Sigortalar\u0131 Kurumu<\/strong>, T\u00fcrkiye\u2019de deprem nedeniyle meydana gelebilecek yap\u0131sal hasarlar\u0131 g\u00fcvence alt\u0131na almak amac\u0131yla kurulmu\u015f bir kurumdur. 1999 Marmara Depremi\u2019nin ard\u0131ndan 2000 y\u0131l\u0131nda faaliyete ge\u00e7mi\u015ftir. DASK kapsam\u0131nda yap\u0131lan \u201c<strong data-start=\"522\" data-end=\"550\">Zorunlu Deprem Sigortas\u0131<\/strong>\u201d, konut sahiplerinin deprem sonras\u0131 maddi kay\u0131plar\u0131n\u0131 belirli bir limit dahilinde kar\u015f\u0131lamay\u0131 ama\u00e7lar.<\/p>\r\n<p data-start=\"655\" data-end=\"901\">Bu sigorta, \u00fclke genelinde b\u00fct\u00fcn konutlar i\u00e7in zorunludur ve <strong data-start=\"716\" data-end=\"747\">her y\u0131l yenilenmesi gerekir<\/strong>. Ama\u00e7; deprem sonras\u0131 devletin y\u00fck\u00fcn\u00fc azaltmak, bireylerin kendi evlerini koruma bilincini art\u0131rmak ve toplumda finansal dayan\u0131kl\u0131l\u0131\u011f\u0131 g\u00fc\u00e7lendirmektir.<\/p>\r\n<p data-start=\"903\" data-end=\"1096\">DASK poli\u00e7esi ile sa\u011flanan teminatlar yaln\u0131zca <strong data-start=\"950\" data-end=\"985\">binan\u0131n ana yap\u0131sal unsurlar\u0131n\u0131<\/strong> kapsar. Yani bu sigorta, evin i\u00e7indeki e\u015fyalar\u0131 ya da dekorasyonu de\u011fil, binan\u0131n fiziksel b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fc korur.<\/p>\r\n<p data-start=\"1098\" data-end=\"1152\">DASK kapsam\u0131nda yer alan yap\u0131sal unsurlar \u015funlard\u0131r:<\/p>\r\n<ul data-start=\"1154\" data-end=\"1813\">\r\n<li data-start=\"1154\" data-end=\"1265\">\r\n<p data-start=\"1156\" data-end=\"1265\"><strong data-start=\"1156\" data-end=\"1190\">Temeller ve ta\u015f\u0131y\u0131c\u0131 duvarlar:<\/strong> Binan\u0131n ana y\u00fck\u00fcn\u00fc ta\u015f\u0131yan ve yap\u0131sal b\u00fct\u00fcnl\u00fc\u011f\u00fc sa\u011flayan temel k\u0131s\u0131mlar.<\/p>\r\n<\/li>\r\n<li data-start=\"1266\" data-end=\"1364\">\r\n<p data-start=\"1268\" data-end=\"1364\"><strong data-start=\"1268\" data-end=\"1298\">Kolon, kiri\u015f ve d\u00f6\u015femeler:<\/strong> Binay\u0131 ayakta tutan ve ta\u015f\u0131y\u0131c\u0131 sistemin par\u00e7as\u0131 olan b\u00f6l\u00fcmler.<\/p>\r\n<\/li>\r\n<li data-start=\"1365\" data-end=\"1484\">\r\n<p data-start=\"1367\" data-end=\"1484\"><strong data-start=\"1367\" data-end=\"1405\">Merdivenler ve asans\u00f6r bo\u015fluklar\u0131:<\/strong> Yap\u0131n\u0131n sabit elemanlar\u0131 olup, binan\u0131n in\u015faat projesinde yer alan k\u0131s\u0131mlar\u0131.<\/p>\r\n<\/li>\r\n<li data-start=\"1485\" data-end=\"1601\">\r\n<p data-start=\"1487\" data-end=\"1601\"><strong data-start=\"1487\" data-end=\"1519\">\u00c7at\u0131lar ve tavan sistemleri:<\/strong> Depremde hasar g\u00f6rebilecek, ancak binan\u0131n bir par\u00e7as\u0131 say\u0131lan ana elemanlard\u0131r.<\/p>\r\n<\/li>\r\n<li data-start=\"1602\" data-end=\"1813\">\r\n<p data-start=\"1604\" data-end=\"1813\"><strong data-start=\"1604\" data-end=\"1652\">Deprem sonras\u0131 olu\u015fabilecek ikincil afetler:<\/strong> Depremin do\u011frudan neden oldu\u011fu <strong data-start=\"1684\" data-end=\"1729\">yang\u0131n, infilak, tsunami veya yer kaymas\u0131<\/strong> gibi olaylar sonucu olu\u015fan hasarlar da belirli oranda DASK taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"1815\" data-end=\"2058\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1749 size-full\" src=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-nedir-1.png\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-nedir-1.png 800w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-nedir-1-300x150.png 300w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-nedir-1-528x264.png 528w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\r\n<p data-start=\"1815\" data-end=\"2058\">Bu kapsam, yaln\u0131zca <strong data-start=\"1835\" data-end=\"1859\">bina i\u00e7in ge\u00e7erlidir<\/strong>; yani DASK, evin i\u00e7indeki e\u015fyalar\u0131 veya ki\u015fisel e\u015fyalar\u0131 teminat alt\u0131na almaz. Ayr\u0131ca depremden kaynaklanmayan yang\u0131n, sel, su bask\u0131n\u0131, \u00e7at\u0131 \u00e7\u00f6kmesi gibi di\u011fer afetler DASK taraf\u0131ndan kar\u015f\u0131lanmaz.<\/p>\r\n<p data-start=\"2060\" data-end=\"2405\">DASK\u2019\u0131n amac\u0131, konutun <strong data-start=\"2083\" data-end=\"2139\">yeniden in\u015fa edilebilmesi i\u00e7in gerekli maddi deste\u011fi<\/strong> sa\u011flamakt\u0131r. \u00d6rne\u011fin, binan\u0131z deprem nedeniyle tamamen y\u0131k\u0131l\u0131rsa, DASK binan\u0131n yeniden yap\u0131lmas\u0131 i\u00e7in belirli bir teminat tutar\u0131n\u0131 (her y\u0131l Hazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan g\u00fcncellenir) \u00f6der. Bu tutar, binan\u0131n yeniden in\u015fas\u0131 i\u00e7in bir temel g\u00fcvence olu\u015fturur.<\/p>\r\n<p data-start=\"2407\" data-end=\"2645\">Ancak DASK poli\u00e7esinin <strong data-start=\"2430\" data-end=\"2460\">s\u0131n\u0131rl\u0131 bir teminat yap\u0131s\u0131<\/strong> oldu\u011funu bilmek gerekir. \u00c7\u00fcnk\u00fc DASK yaln\u0131zca ana yap\u0131y\u0131 g\u00fcvence alt\u0131na al\u0131r; e\u015fyalar, kira kayb\u0131, ta\u015f\u0131nma masraflar\u0131 veya arsa de\u011feri gibi zararlar <strong data-start=\"2609\" data-end=\"2629\">dask kapsam d\u0131\u015f\u0131<\/strong> kabul edilir.<\/p>\r\n<p data-start=\"2647\" data-end=\"2896\">Bu nedenle bir\u00e7ok ki\u015fi, evinin tam koruma alt\u0131nda olmas\u0131 i\u00e7in DASK\u2019a ek olarak <strong data-start=\"2726\" data-end=\"2745\">konut sigortas\u0131<\/strong> yapt\u0131rmay\u0131 tercih eder. Konut sigortas\u0131, e\u015fyalar\u0131, i\u00e7 dekorasyonu, su bask\u0131n\u0131n\u0131, h\u0131rs\u0131zl\u0131\u011f\u0131 ve yang\u0131n\u0131 da kapsayarak \u00e7ok daha geni\u015f bir g\u00fcvence sunar.<\/p>\r\n<p data-start=\"2647\" data-end=\"2896\">Daha kapsaml\u0131 bilgi i\u00e7in <strong><span class=\"x19la9d6 x1fc57z9 x6ikm8r x10wlt62 x19co3pv x1g5zs5t xfibh0p xiy17q3 x1xsqp64 x1lkfr7t xexx8yu xyri2b x18d9i69 x1c1uobl\"><span class=\"xrtxmta x1bhl96m\">\ud83d\udd17<\/span><\/span><a href=\"https:\/\/dask360.com\/blog\/dask-nedir-zorunlu-deprem-sigortasi\/\">DASK Nedir? Zorunlu Deprem Sigortas\u0131n\u0131n Amac\u0131 ve Kapsam\u0131<\/a> <\/strong>blogumuzu okuyabilirsiniz.<\/p>\r\n<div style=\"border: 2px solid #2C7A4B; background-color: #e8f9e1; padding: 20px; border-radius: 10px; text-align: center; margin: 20px 0;\">\r\n<h3 style=\"color: #2c7a4b;\">DASK, depremin neden oldu\u011fu maddi zararlar\u0131 en aza indirmek ve vatanda\u015flar\u0131n g\u00fcvenli konutlarda ya\u015fam\u0131n\u0131 s\u00fcrd\u00fcrebilmesini sa\u011flamak amac\u0131yla olu\u015fturulmu\u015f zorunlu bir sigorta sistemidir.<br data-start=\"332\" data-end=\"335\" \/>Binan\u0131z\u0131n ta\u015f\u0131y\u0131c\u0131 unsurlar\u0131n\u0131 g\u00fcvence alt\u0131na alarak, olas\u0131 bir deprem sonras\u0131nda ekonomik kay\u0131plar\u0131n\u0131z\u0131 hafifletir. <br \/><br \/>\ud83d\udc49 <strong data-start=\"458\" data-end=\"510\">Sen de evini DASK g\u00fcvencesiyle koruma alt\u0131na al!<\/strong><\/h3>\r\n<a style=\"display: inline-block; background-color: #63d172; color: white; padding: 12px 25px; border-radius: 8px; text-decoration: none; font-weight: bold;\" href=\"https:\/\/dask360.com\/dask-sigortasi-fiyatlari\">DASK Teklifi Al<\/a><\/div>\r\n<h2 data-start=\"2267\" data-end=\"2312\"><strong data-start=\"2270\" data-end=\"2312\">2. DASK Kapsam D\u0131\u015f\u0131 Durumlar Nelerdir?<\/strong><\/h2>\r\n<p data-start=\"232\" data-end=\"650\">DASK, yani Zorunlu Deprem Sigortas\u0131, yaln\u0131zca <strong data-start=\"278\" data-end=\"313\">binan\u0131n ana yap\u0131sal unsurlar\u0131n\u0131<\/strong> koruma alt\u0131na al\u0131r. Ancak, bir\u00e7ok vatanda\u015f bu sigortan\u0131n evdeki her t\u00fcrl\u00fc zarar\u0131 kar\u015f\u0131layaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcr. Oysa ger\u00e7ek durum farkl\u0131d\u0131r. Poli\u00e7e kapsam\u0131nda <strong data-start=\"467\" data-end=\"518\">baz\u0131 haller ve zarar t\u00fcrleri \u201cdask kapsam d\u0131\u015f\u0131\u201d<\/strong> olarak de\u011ferlendirilir. Bu durumlar\u0131 bilmek, ek \u00f6nlem alabilmek ve gerekirse konut sigortas\u0131 yapt\u0131rmak a\u00e7\u0131s\u0131ndan olduk\u00e7a \u00f6nemlidir.<\/p>\r\n<p data-start=\"652\" data-end=\"732\">A\u015fa\u011f\u0131da <strong data-start=\"660\" data-end=\"680\">dask kapsam d\u0131\u015f\u0131<\/strong> olan ba\u015fl\u0131ca durumlar\u0131 detayl\u0131 bi\u00e7imde inceleyelim:<\/p>\r\n<h3 data-start=\"739\" data-end=\"809\"><strong data-start=\"743\" data-end=\"809\">1. Evin \u0130\u00e7indeki E\u015fyalar (Mobilya, Elektronik, Beyaz E\u015fya vb.)<\/strong><\/h3>\r\n<p data-start=\"811\" data-end=\"1059\">DASK, yaln\u0131zca binay\u0131 g\u00fcvence alt\u0131na al\u0131r; <strong data-start=\"854\" data-end=\"879\">evin i\u00e7indeki e\u015fyalar<\/strong> bu sigorta kapsam\u0131nda de\u011fildir.<br data-start=\"911\" data-end=\"914\" \/>Yani deprem sonras\u0131 televizyon, buzdolab\u0131, koltuk, hal\u0131, perde, bilgisayar gibi ki\u015fisel e\u015fyalar\u0131n\u0131z zarar g\u00f6r\u00fcrse DASK bu kay\u0131plar\u0131 kar\u015f\u0131lamaz.<\/p>\r\n<p data-start=\"1061\" data-end=\"1233\">Bu t\u00fcr zararlar ancak <strong data-start=\"1083\" data-end=\"1102\">konut sigortas\u0131<\/strong> kapsam\u0131nda teminat alt\u0131na al\u0131nabilir. Konut sigortas\u0131, hem binan\u0131z\u0131 hem de e\u015fyalar\u0131n\u0131z\u0131 kapsayarak daha geni\u015f bir koruma sa\u011flar.<\/p>\r\n<p data-start=\"1235\" data-end=\"1381\">\ud83d\udc49 Bu fark\u0131 daha iyi anlamak i\u00e7in <span class=\"x19la9d6 x1fc57z9 x6ikm8r x10wlt62 x19co3pv x1g5zs5t xfibh0p xiy17q3 x1xsqp64 x1lkfr7t xexx8yu xyri2b x18d9i69 x1c1uobl\"><span class=\"xrtxmta x1bhl96m\">\ud83d\udd17<\/span><\/span><strong><a href=\"https:\/\/dask360.com\/blog\/dask-teminatlari-nelerdir-2025\/\">DASK Teminatlar\u0131 Nelerdir? 2025 G\u00fcncel Rehber<\/a> <\/strong>yaz\u0131m\u0131z\u0131 da inceleyebilirsiniz.<\/p>\r\n<h3 data-start=\"1388\" data-end=\"1460\"><strong data-start=\"1392\" data-end=\"1460\">2. Dekorasyon Unsurlar\u0131 (Duvar Ka\u011f\u0131d\u0131, Parke, Dolap, Fayans vb.)<\/strong><\/h3>\r\n<p data-start=\"1462\" data-end=\"1641\">Deprem sonras\u0131 evinizde duvar ka\u011f\u0131tlar\u0131 d\u00f6k\u00fclebilir, parkeler hasar g\u00f6rebilir veya g\u00f6mme dolaplar k\u0131r\u0131labilir. Ancak bu t\u00fcr zararlar <strong data-start=\"1595\" data-end=\"1615\">dask kapsam d\u0131\u015f\u0131<\/strong> olarak de\u011ferlendirilir.<\/p>\r\n<p data-start=\"1643\" data-end=\"1810\">DASK poli\u00e7esi, <strong data-start=\"1658\" data-end=\"1690\">yap\u0131n\u0131n ta\u015f\u0131y\u0131c\u0131 unsurlar\u0131n\u0131<\/strong> (kolon, kiri\u015f, temel, \u00e7at\u0131) g\u00fcvence alt\u0131na al\u0131rken; <strong data-start=\"1743\" data-end=\"1786\">kozmetik veya i\u00e7 dekorasyon unsurlar\u0131n\u0131<\/strong> teminat alt\u0131na almaz.<\/p>\r\n<p data-start=\"1812\" data-end=\"1930\">Dolay\u0131s\u0131yla dekoratif zararlar, boya, fayans veya i\u00e7 mimari unsurlar\u0131n onar\u0131m masraflar\u0131 i\u00e7in DASK\u2019tan \u00f6deme al\u0131namaz.<\/p>\r\n<h3 data-start=\"1937\" data-end=\"1988\"><strong data-start=\"1941\" data-end=\"1988\">3. Bah\u00e7e, Garaj, \u00c7evre Duvar\u0131 ve Eklentiler<\/strong><\/h3>\r\n<p data-start=\"1990\" data-end=\"2160\">Bir\u00e7ok konutta binan\u0131n d\u0131\u015f\u0131nda kalan yap\u0131lar \u2013\u00f6rne\u011fin bah\u00e7e duvar\u0131, garaj, havuz, depo veya m\u00fc\u015ftemilat\u2013 bulunmaktad\u0131r. Ancak bu alanlar da <strong data-start=\"2129\" data-end=\"2149\">dask kapsam d\u0131\u015f\u0131<\/strong> say\u0131l\u0131r.<\/p>\r\n<p data-start=\"2162\" data-end=\"2421\">DASK, yaln\u0131zca <strong data-start=\"2177\" data-end=\"2201\">konutun ana yap\u0131s\u0131n\u0131<\/strong> g\u00fcvence alt\u0131na ald\u0131\u011f\u0131 i\u00e7in bah\u00e7e duvarlar\u0131n\u0131n, d\u0131\u015f kaplamalar\u0131n veya ba\u011f\u0131ms\u0131z eklentilerin zararlar\u0131 kar\u015f\u0131lanmaz.<br data-start=\"2315\" data-end=\"2318\" \/>Evinizin bah\u00e7esinde bulunan kamelya, veranda veya seramik zemin gibi unsurlar da teminat d\u0131\u015f\u0131nda kal\u0131r.<\/p>\r\n<p data-start=\"2162\" data-end=\"2421\"><img decoding=\"async\" class=\"aligncenter wp-image-1751 size-full\" src=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi.png\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi.png 800w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-300x150.png 300w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-528x264.png 528w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\r\n<h3 data-start=\"2428\" data-end=\"2483\"><strong data-start=\"2432\" data-end=\"2483\">4. Kira Kayb\u0131, \u0130\u015f Durmas\u0131 ve Ta\u015f\u0131nma Masraflar\u0131<\/strong><\/h3>\r\n<p data-start=\"2485\" data-end=\"2664\">Deprem sonras\u0131nda eviniz hasar g\u00f6rd\u00fc\u011f\u00fcnde kirac\u0131ysan\u0131z ta\u015f\u0131nman\u0131z gerekebilir veya ev sahibiyseniz kira geliriniz kesilebilir. Ancak <strong data-start=\"2618\" data-end=\"2664\">DASK bu t\u00fcr ekonomik kay\u0131plar\u0131 kar\u015f\u0131lamaz.<\/strong><\/p>\r\n<p data-start=\"2666\" data-end=\"2671\">Yani:<\/p>\r\n<ul data-start=\"2672\" data-end=\"2821\">\r\n<li data-start=\"2672\" data-end=\"2743\">\r\n<p data-start=\"2674\" data-end=\"2743\">Kirac\u0131ysan\u0131z yeni eve ta\u015f\u0131nma, e\u015fyalar\u0131 ta\u015f\u0131ma, depozito giderleri,<\/p>\r\n<\/li>\r\n<li data-start=\"2744\" data-end=\"2821\">\r\n<p data-start=\"2746\" data-end=\"2821\">Ev sahibiyseniz kira gelirinin kesilmesi veya ge\u00e7ici konaklama masraflar\u0131<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"2823\" data-end=\"2873\"><strong data-start=\"2823\" data-end=\"2843\">dask kapsam d\u0131\u015f\u0131<\/strong> durumlar aras\u0131nda yer al\u0131r.<\/p>\r\n<p data-start=\"2875\" data-end=\"2972\">Bu t\u00fcr maddi kay\u0131plara kar\u015f\u0131 korunmak i\u00e7in ek bir <strong data-start=\"2925\" data-end=\"2953\">konut sigortas\u0131 poli\u00e7esi<\/strong> yapt\u0131rmak gerekir.<\/p>\r\n<h3 data-start=\"2979\" data-end=\"3027\"><strong data-start=\"2983\" data-end=\"3027\">5. Ruhsats\u0131z, \u0130mars\u0131z veya Ka\u00e7ak Binalar<\/strong><\/h3>\r\n<p data-start=\"3029\" data-end=\"3261\">Ruhsats\u0131z veya imara ayk\u0131r\u0131 yap\u0131larda meydana gelen deprem hasarlar\u0131, <strong data-start=\"3099\" data-end=\"3130\">DASK taraf\u0131ndan kar\u015f\u0131lanmaz<\/strong>.<br data-start=\"3131\" data-end=\"3134\" \/>Sigorta poli\u00e7esi ge\u00e7erli olsa bile, binan\u0131n in\u015faat\u0131 mevzuata uygun de\u011filse veya yap\u0131 ruhsat\u0131 bulunmuyorsa, \u00f6demeler yap\u0131lmaz.<\/p>\r\n<p data-start=\"3263\" data-end=\"3432\">Bu durum, T\u00fcrkiye\u2019de s\u0131k\u00e7a kar\u015f\u0131la\u015f\u0131lan bir sorundur. \u00d6zellikle eski yap\u0131larda <strong data-start=\"3342\" data-end=\"3371\">iskan veya ruhsat belgesi<\/strong> bulunmad\u0131\u011f\u0131 i\u00e7in DASK\u2019tan tazminat al\u0131namama riski vard\u0131r.<\/p>\r\n<p data-start=\"3434\" data-end=\"3549\">Poli\u00e7e yapt\u0131rmadan \u00f6nce binan\u0131z\u0131n <strong data-start=\"3468\" data-end=\"3502\">iskan durumunu kontrol etmeniz<\/strong>, olas\u0131 ma\u011fduriyetlerin \u00f6n\u00fcne ge\u00e7menizi sa\u011flar.<\/p>\r\n<h3 data-start=\"3556\" data-end=\"3622\"><strong data-start=\"3560\" data-end=\"3622\">6. Deprem D\u0131\u015f\u0131nda Kalan Afetler (Sel, F\u0131rt\u0131na, Yang\u0131n vb.)<\/strong><\/h3>\r\n<p data-start=\"3624\" data-end=\"3926\">DASK yaln\u0131zca <strong data-start=\"3638\" data-end=\"3684\">deprem ve deprem kaynakl\u0131 ikincil afetleri<\/strong> (yang\u0131n, infilak, tsunami, yer kaymas\u0131) kapsar.<br data-start=\"3732\" data-end=\"3735\" \/>Bunun d\u0131\u015f\u0131ndaki do\u011fal afetler \u2014\u00f6rne\u011fin <strong data-start=\"3774\" data-end=\"3856\">sel, f\u0131rt\u0131na, hortum, dolu, y\u0131ld\u0131r\u0131m d\u00fc\u015fmesi, toprak kaymas\u0131 veya kar a\u011f\u0131rl\u0131\u011f\u0131<\/strong> gibi durumlar\u2014 tamamen <strong data-start=\"3880\" data-end=\"3900\">dask kapsam d\u0131\u015f\u0131<\/strong> olarak de\u011ferlendirilir.<\/p>\r\n<p data-start=\"3928\" data-end=\"4158\">Bu t\u00fcr afetler sonucu binada olu\u015fan zararlar i\u00e7in <strong data-start=\"3978\" data-end=\"3997\">konut sigortas\u0131<\/strong> devreye girmektedir.<br data-start=\"4018\" data-end=\"4021\" \/>Yani binan\u0131z hem deprem hem de di\u011fer do\u011fal afetlere kar\u015f\u0131 g\u00fcvende olsun istiyorsan\u0131z, DASK\u2019a ek olarak konut sigortas\u0131 yapt\u0131rmak gerekir.<\/p>\r\n<h3 data-start=\"4165\" data-end=\"4224\"><strong data-start=\"4169\" data-end=\"4224\">7. Arsa De\u011feri veya Zemin Kaymas\u0131 Kaynakl\u0131 Zararlar<\/strong><\/h3>\r\n<p data-start=\"4226\" data-end=\"4486\">DASK yaln\u0131zca <strong data-start=\"4240\" data-end=\"4250\">binay\u0131<\/strong> g\u00fcvence alt\u0131na al\u0131r; <strong data-start=\"4272\" data-end=\"4287\">arsa de\u011feri<\/strong> hi\u00e7bir \u015fekilde sigorta kapsam\u0131na dahil de\u011fildir.<br data-start=\"4336\" data-end=\"4339\" \/>Yani deprem sonucu arsan\u0131n de\u011ferinde d\u00fc\u015f\u00fc\u015f ya\u015fanmas\u0131 veya zemin kaymas\u0131 nedeniyle arsan\u0131n kullan\u0131lamaz hale gelmesi <strong data-start=\"4455\" data-end=\"4475\">dask kapsam d\u0131\u015f\u0131<\/strong> say\u0131l\u0131r.<\/p>\r\n<p data-start=\"4488\" data-end=\"4645\">DASK\u2019\u0131n tazminat \u00f6demeleri sadece <strong data-start=\"4522\" data-end=\"4558\">bina onar\u0131m\u0131 veya yeniden in\u015fas\u0131<\/strong> i\u00e7in yap\u0131l\u0131r. Arsan\u0131n veya \u00e7evresel arazinin zarar g\u00f6rmesi bu teminata dahil de\u011fildir.<\/p>\r\n<h3 data-start=\"4652\" data-end=\"4696\"><strong data-start=\"4656\" data-end=\"4696\">8. Eksik veya Kusurlu Yap\u0131m Hatalar\u0131<\/strong><\/h3>\r\n<p data-start=\"4698\" data-end=\"4896\">Deprem sonras\u0131 binan\u0131zda hasar olu\u015ftu\u011funda, e\u011fer bu hasar <strong data-start=\"4756\" data-end=\"4821\">kusurlu yap\u0131 malzemesi, yanl\u0131\u015f m\u00fchendislik veya eksik i\u015f\u00e7ilik<\/strong> gibi nedenlerden kaynaklan\u0131yorsa, bu zarar da <strong data-start=\"4868\" data-end=\"4888\">dask kapsam d\u0131\u015f\u0131<\/strong> olur.<\/p>\r\n<p data-start=\"4898\" data-end=\"4906\">\u00d6rne\u011fin:<\/p>\r\n<ul data-start=\"4907\" data-end=\"5030\">\r\n<li data-start=\"4907\" data-end=\"4941\">\r\n<p data-start=\"4909\" data-end=\"4941\">D\u00fc\u015f\u00fck kaliteli beton kullan\u0131m\u0131<\/p>\r\n<\/li>\r\n<li data-start=\"4942\" data-end=\"4975\">\r\n<p data-start=\"4944\" data-end=\"4975\">Standart d\u0131\u015f\u0131 demir donat\u0131lar<\/p>\r\n<\/li>\r\n<li data-start=\"4976\" data-end=\"5001\">\r\n<p data-start=\"4978\" data-end=\"5001\">Uygunsuz kolon kesimi<\/p>\r\n<\/li>\r\n<li data-start=\"5002\" data-end=\"5030\">\r\n<p data-start=\"5004\" data-end=\"5030\">Ta\u015f\u0131y\u0131c\u0131 sistem hatalar\u0131<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"5032\" data-end=\"5156\">gibi nedenlerle olu\u015fan hasarlarda DASK tazminat \u00f6demez.<br data-start=\"5087\" data-end=\"5090\" \/>\u00c7\u00fcnk\u00fc bu t\u00fcr hasarlar <strong data-start=\"5112\" data-end=\"5156\">deprem de\u011fil, in\u015faat kusuru kaynakl\u0131d\u0131r.<\/strong><\/p>\r\n<p data-start=\"5032\" data-end=\"5156\"><img decoding=\"async\" class=\"aligncenter wp-image-1752 size-full\" src=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-durumlar-nelerdir.png\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-durumlar-nelerdir.png 800w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-durumlar-nelerdir-300x150.png 300w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsam-disi-durumlar-nelerdir-528x264.png 528w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\r\n<h3 data-start=\"98\" data-end=\"161\"><strong data-start=\"102\" data-end=\"161\">9. Bina Tamamen Y\u0131k\u0131lmam\u0131\u015fsa veya K\u00fc\u00e7\u00fck \u00c7atlaklar Varsa<\/strong><\/h3>\r\n<p data-start=\"163\" data-end=\"471\">Deprem sonras\u0131 bina y\u0131k\u0131lmam\u0131\u015f olsa da, duvarlarda s\u0131va d\u00f6k\u00fclmeleri, y\u00fczeysel \u00e7atlaklar veya k\u00fc\u00e7\u00fck deformasyonlar olu\u015fabilir. Bu t\u00fcr hasarlar <strong data-start=\"305\" data-end=\"336\">\u00e7o\u011funlukla dask kapsam d\u0131\u015f\u0131<\/strong> kabul edilir \u00e7\u00fcnk\u00fc DASK teminat\u0131, esas olarak binan\u0131n <strong data-start=\"391\" data-end=\"448\">ta\u015f\u0131y\u0131c\u0131 unsurlar\u0131nda meydana gelen yap\u0131sal hasarlar\u0131<\/strong> g\u00fcvence alt\u0131na al\u0131r.<\/p>\r\n<p data-start=\"473\" data-end=\"805\">Ancak her durum ayn\u0131 \u015fekilde de\u011ferlendirilmez. <strong data-start=\"520\" data-end=\"536\">DASK eksperi<\/strong>, binay\u0131 yerinde inceleyerek \u00e7atlaklar\u0131n t\u00fcr\u00fcn\u00fc, derinli\u011fini ve binan\u0131n genel b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fc de\u011ferlendirir. E\u011fer \u00e7atlaklar yaln\u0131zca y\u00fczeysel d\u00fczeydeyse tazminat \u00f6denmeyebilir, fakat ta\u015f\u0131y\u0131c\u0131 sistemde k\u00fc\u00e7\u00fck de olsa bir etkilenme varsa <strong data-start=\"767\" data-end=\"790\">k\u0131smi hasar \u00f6demesi<\/strong> yap\u0131labilir.<\/p>\r\n<p data-start=\"807\" data-end=\"994\" data-is-last-node=\"\" data-is-only-node=\"\">Bu nedenle, deprem sonras\u0131 olu\u015fan her hasar\u0131n kapsam d\u0131\u015f\u0131 oldu\u011funu d\u00fc\u015f\u00fcnmemek gerekir. <strong data-start=\"894\" data-end=\"925\">Eksper incelemesi sonucunda<\/strong> DASK, hasar\u0131n niteli\u011fine g\u00f6re \u00f6deme yap\u0131p yapmayaca\u011f\u0131na karar verir.<\/p>\r\n<h3 data-start=\"5686\" data-end=\"5742\"><strong data-start=\"5690\" data-end=\"5742\">10. Bilerek veya Kas\u0131tl\u0131 Olarak Verilen Zararlar<\/strong><\/h3>\r\n<p data-start=\"5744\" data-end=\"6047\">Her sigortada oldu\u011fu gibi DASK\u2019ta da <strong data-start=\"5781\" data-end=\"5801\">kas\u0131tl\u0131 zararlar<\/strong> hi\u00e7bir \u015fekilde kar\u015f\u0131lanmaz.<br data-start=\"5829\" data-end=\"5832\" \/>Deprem sonras\u0131 binaya bilerek zarar verilmesi, y\u0131k\u0131m\u0131n h\u0131zland\u0131r\u0131lmas\u0131 veya yanl\u0131\u015f beyan gibi durumlar <strong data-start=\"5935\" data-end=\"5955\">dask kapsam d\u0131\u015f\u0131<\/strong>d\u0131r.<br data-start=\"5959\" data-end=\"5962\" \/>Bu t\u00fcr eylemler sigorta doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 kapsam\u0131na girer ve cezai yapt\u0131r\u0131mlar\u0131 vard\u0131r.<\/p>\r\n<h3 data-start=\"6054\" data-end=\"6068\">\u00d6zetle:<\/h3>\r\n<div class=\"_tableContainer_1rjym_1\">\r\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\r\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"6070\" data-end=\"6416\">\r\n<thead data-start=\"6070\" data-end=\"6112\">\r\n<tr data-start=\"6070\" data-end=\"6112\">\r\n<th data-start=\"6070\" data-end=\"6078\" data-col-size=\"sm\">Durum<\/th>\r\n<th data-start=\"6078\" data-end=\"6112\" data-col-size=\"sm\">DASK Taraf\u0131ndan Kar\u015f\u0131lan\u0131r m\u0131?<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody data-start=\"6124\" data-end=\"6416\">\r\n<tr data-start=\"6124\" data-end=\"6153\">\r\n<td data-start=\"6124\" data-end=\"6148\" data-col-size=\"sm\">Evin i\u00e7indeki e\u015fyalar<\/td>\r\n<td data-start=\"6148\" data-end=\"6153\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6154\" data-end=\"6188\">\r\n<td data-start=\"6154\" data-end=\"6183\" data-col-size=\"sm\">Duvar ka\u011f\u0131d\u0131, parke, dolap<\/td>\r\n<td data-start=\"6183\" data-end=\"6188\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6189\" data-end=\"6221\">\r\n<td data-start=\"6189\" data-end=\"6216\" data-col-size=\"sm\">Bah\u00e7e, garaj, m\u00fc\u015ftemilat<\/td>\r\n<td data-start=\"6216\" data-end=\"6221\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6222\" data-end=\"6262\">\r\n<td data-start=\"6222\" data-end=\"6257\" data-col-size=\"sm\">Kira kayb\u0131 ve ta\u015f\u0131nma masraflar\u0131<\/td>\r\n<td data-start=\"6257\" data-end=\"6262\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6263\" data-end=\"6301\">\r\n<td data-start=\"6263\" data-end=\"6296\" data-col-size=\"sm\">Ruhsats\u0131z\/ka\u00e7ak bina hasarlar\u0131<\/td>\r\n<td data-start=\"6296\" data-end=\"6301\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6302\" data-end=\"6335\">\r\n<td data-start=\"6302\" data-end=\"6330\" data-col-size=\"sm\">Sel, f\u0131rt\u0131na gibi afetler<\/td>\r\n<td data-start=\"6330\" data-end=\"6335\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6336\" data-end=\"6375\">\r\n<td data-start=\"6336\" data-end=\"6370\" data-col-size=\"sm\">Arsa ve zemin kaymas\u0131 zararlar\u0131<\/td>\r\n<td data-start=\"6370\" data-end=\"6375\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<tr data-start=\"6376\" data-end=\"6416\">\r\n<td data-start=\"6376\" data-end=\"6411\" data-col-size=\"sm\">\u0130n\u015faat kusurlar\u0131ndan do\u011fan hasar<\/td>\r\n<td data-start=\"6411\" data-end=\"6416\" data-col-size=\"sm\">\u274c<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n<p data-start=\"6423\" data-end=\"6719\">DASK yaln\u0131zca <strong data-start=\"6437\" data-end=\"6468\">binan\u0131z\u0131n ta\u015f\u0131y\u0131c\u0131 yap\u0131s\u0131n\u0131<\/strong> g\u00fcvence alt\u0131na al\u0131r. E\u015fyalar\u0131n\u0131z\u0131, dekorasyonunuzu veya di\u011fer maddi kay\u0131plar\u0131n\u0131z\u0131 korumak istiyorsan\u0131z, DASK\u2019a ek olarak <strong data-start=\"6590\" data-end=\"6609\">konut sigortas\u0131<\/strong> yapt\u0131rman\u0131z gerekir.<br data-start=\"6630\" data-end=\"6633\" \/>Bu sayede deprem sonras\u0131 hem evinizi hem de e\u015fyalar\u0131n\u0131z\u0131 g\u00fcvence alt\u0131na alabilirsiniz.<\/p>\r\n<h2 data-start=\"2967\" data-end=\"3036\"><strong data-start=\"2970\" data-end=\"3036\">3. E\u015fyalar, Dekorasyon ve D\u0131\u015f Alanlar DASK Kapsam\u0131na Girer mi?<\/strong><\/h2>\r\n<p data-start=\"3038\" data-end=\"3304\">Bir deprem sonras\u0131 e\u015fyalar\u0131n\u0131z zarar g\u00f6rd\u00fcyse, bu zarar <strong data-start=\"3094\" data-end=\"3114\">dask kapsam d\u0131\u015f\u0131<\/strong> say\u0131l\u0131r.<br data-start=\"3123\" data-end=\"3126\" \/>DASK yaln\u0131zca binan\u0131n kendisini teminat alt\u0131na al\u0131r; i\u00e7indeki e\u015fyalar, elektronik cihazlar, hal\u0131lar, perdeler veya mutfak dolaplar\u0131 gibi unsurlar sigorta teminat\u0131nda yer almaz.<\/p>\r\n<p data-start=\"3306\" data-end=\"3468\">Ayr\u0131ca evin d\u0131\u015f\u0131ndaki yap\u0131lar \u2014 \u00f6rne\u011fin garaj, bah\u00e7e duvar\u0131, kamelya, depo gibi alanlar \u2014 da kapsam d\u0131\u015f\u0131ndad\u0131r. \u00c7\u00fcnk\u00fc bu alanlar \u201cana bina\u201d tan\u0131m\u0131 i\u00e7ine girmez.<\/p>\r\n<p data-start=\"3470\" data-end=\"3797\">Evinizin i\u00e7indeki veya \u00e7evresindeki bu tip zararlar\u0131 teminat alt\u0131na almak istiyorsan\u0131z, DASK\u2019a ek olarak <strong data-start=\"3575\" data-end=\"3594\">konut sigortas\u0131<\/strong> yapt\u0131rman\u0131z gerekir.<\/p>\r\n<p data-start=\"652\" data-end=\"848\">\u00a0<\/p>\r\n<ul class=\"wp-block-list\"><!-- \/wp:post-content --><\/ul>\r\n<p data-start=\"3606\" data-end=\"3725\"><!-- \/wp:list -->\r\n\r\n<!-- wp:heading --><\/p>\r\n<div style=\"border: 2px solid #FF0000; background-color: #ffe5e5; padding: 20px; border-radius: 10px; text-align: center; margin: 20px 0;\">\r\n<h3 style=\"color: #ff0000;\">DASK yaln\u0131zca binan\u0131n ta\u015f\u0131y\u0131c\u0131 yap\u0131 elemanlar\u0131n\u0131 g\u00fcvence alt\u0131na al\u0131r.<br data-start=\"228\" data-end=\"231\" \/>Evin i\u00e7indeki e\u015fyalar, dekorasyon, elektronik cihazlar veya balkon, bah\u00e7e gibi alanlar bu teminat\u0131n d\u0131\u015f\u0131nda kal\u0131r.<br data-start=\"345\" data-end=\"348\" \/>Bu alanlar\u0131 koruma alt\u0131na almak i\u00e7in ayr\u0131ca konut sigortas\u0131 yapt\u0131rmak gerekir. <br \/><br \/>\ud83d\udc49 <strong data-start=\"433\" data-end=\"483\">Evin i\u00e7indeki e\u015fyalar\u0131n\u0131 da g\u00fcvence alt\u0131na al!<\/strong><\/h3>\r\n<a style=\"display: inline-block; background-color: #28a745; color: white; padding: 12px 25px; border-radius: 8px; text-decoration: none; font-weight: bold;\" href=\"https:\/\/dask360.com\/konut-sigortasi-fiyatlari\">Konut Sigortas\u0131 Teklif Al<\/a><\/div>\r\n<h2 data-start=\"3804\" data-end=\"3859\"><strong data-start=\"3807\" data-end=\"3859\">4. Kira Kayb\u0131, Gelir Kayb\u0131 ve Ta\u015f\u0131nma Masraflar\u0131<\/strong><\/h2>\r\n<p data-start=\"3861\" data-end=\"4004\">DASK yaln\u0131zca <strong data-start=\"3875\" data-end=\"3893\">fiziksel hasar<\/strong> teminat\u0131 sa\u011flar; dolay\u0131s\u0131yla kira kayb\u0131 veya gelir kayb\u0131 gibi dolayl\u0131 zararlar <strong data-start=\"3973\" data-end=\"3993\">dask kapsam d\u0131\u015f\u0131<\/strong> say\u0131l\u0131r.<\/p>\r\n<p data-start=\"4006\" data-end=\"4016\">\u00d6rne\u011fin;<\/p>\r\n<ul data-start=\"4017\" data-end=\"4348\">\r\n<li data-start=\"4017\" data-end=\"4123\">\r\n<p data-start=\"4019\" data-end=\"4123\">Deprem sonras\u0131 eviniz oturulamayacak hale geldiyse, o s\u00fcre zarf\u0131nda kaybetti\u011finiz kira geliri \u00f6denmez.<\/p>\r\n<\/li>\r\n<li data-start=\"4124\" data-end=\"4231\">\r\n<p data-start=\"4126\" data-end=\"4231\">\u0130\u015f yeriniz evinizin bir b\u00f6l\u00fcm\u00fcndeyse ve deprem nedeniyle faaliyet durduysa, gelir kayb\u0131n\u0131z kar\u015f\u0131lanmaz.<\/p>\r\n<\/li>\r\n<li data-start=\"4232\" data-end=\"4348\">\r\n<p data-start=\"4234\" data-end=\"4348\">Ge\u00e7ici olarak ta\u015f\u0131nman\u0131z veya ba\u015fka bir konutta kalman\u0131z gerekirse, bu masraflar sigorta taraf\u0131ndan kar\u015f\u0131lanmaz.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"4350\" data-end=\"4481\">Bu t\u00fcr zararlar i\u00e7in \u201ckira kayb\u0131 teminat\u0131\u201d veya \u201calternatif konut masraflar\u0131\u201d sunan \u00f6zel konut sigortalar\u0131ndan faydalanabilirsiniz.<\/p>\r\n<h2 data-start=\"4488\" data-end=\"4532\"><strong data-start=\"4491\" data-end=\"4532\">5. Kusurlu Yap\u0131lar ve Ka\u00e7ak \u0130n\u015faatlar<\/strong><\/h2>\r\n<p data-start=\"4534\" data-end=\"4702\">DASK\u2019\u0131n \u00f6nemli bir kural\u0131 vard\u0131r: <strong data-start=\"4568\" data-end=\"4626\">Yap\u0131, yasal olarak ruhsatl\u0131 ve proje onayl\u0131 olmal\u0131d\u0131r.<\/strong><br data-start=\"4626\" data-end=\"4629\" \/>Bu nedenle, ka\u00e7ak yap\u0131larda olu\u015fan zararlar <strong data-start=\"4673\" data-end=\"4693\">dask kapsam d\u0131\u015f\u0131<\/strong> kal\u0131r.<\/p>\r\n<p data-start=\"4704\" data-end=\"4711\">Yani:<\/p>\r\n<ul data-start=\"4712\" data-end=\"4901\">\r\n<li data-start=\"4712\" data-end=\"4733\">\r\n<p data-start=\"4714\" data-end=\"4733\">Ruhsats\u0131z binalar<\/p>\r\n<\/li>\r\n<li data-start=\"4734\" data-end=\"4779\">\r\n<p data-start=\"4736\" data-end=\"4779\">\u0130mar aff\u0131ndan yararlanmam\u0131\u015f ka\u00e7ak yap\u0131lar<\/p>\r\n<\/li>\r\n<li data-start=\"4780\" data-end=\"4851\">\r\n<p data-start=\"4782\" data-end=\"4851\">Kolon kesilmi\u015f veya ta\u015f\u0131y\u0131c\u0131 sisteminde de\u011fi\u015fiklik yap\u0131lm\u0131\u015f binalar<\/p>\r\n<\/li>\r\n<li data-start=\"4852\" data-end=\"4901\">\r\n<p data-start=\"4854\" data-end=\"4901\">Y\u0131k\u0131m karar\u0131 olan veya metruk haldeki yap\u0131lar<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"4903\" data-end=\"5076\">Bu t\u00fcr binalara ya DASK poli\u00e7esi d\u00fczenlenmez ya da hasar tazminat\u0131 \u00f6denmez.<br data-start=\"4978\" data-end=\"4981\" \/>Dolay\u0131s\u0131yla, evinizin ruhsat ve tapu belgelerinin tam olmas\u0131 sigorta a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemlidir.<\/p>\r\n<p data-start=\"5078\" data-end=\"5264\">Google\u2019da en \u00e7ok aranan \u201c<strong data-start=\"5103\" data-end=\"5137\">Ruhsats\u0131z eve DASK yap\u0131l\u0131r m\u0131?<\/strong>\u201d sorusunun cevab\u0131 da tam olarak budur:<br data-start=\"5176\" data-end=\"5179\" \/>E\u011fer bina tapusuz veya ruhsats\u0131zsa, DASK poli\u00e7esi d\u00fczenlenmez ya da ge\u00e7ersiz say\u0131l\u0131r.<\/p>\r\n<p data-start=\"5078\" data-end=\"5264\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1753 size-full\" src=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsamina-girmeyen-binalar.png\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsamina-girmeyen-binalar.png 800w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsamina-girmeyen-binalar-300x150.png 300w, https:\/\/dask360.com\/blog\/wp-content\/uploads\/2025\/10\/dask-kapsamina-girmeyen-binalar-528x264.png 528w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\r\n<h2 data-start=\"5271\" data-end=\"5323\"><strong data-start=\"5274\" data-end=\"5323\">6. Arsa De\u011feri, Zemin Hasar\u0131 ve Di\u011fer Afetler<\/strong><\/h2>\r\n<p data-start=\"5325\" data-end=\"5457\">Deprem sonras\u0131 sadece bina de\u011fil, bazen arsa da zarar g\u00f6rebilir. Ancak DASK poli\u00e7esi, <strong data-start=\"5411\" data-end=\"5433\">arsa de\u011fer kayb\u0131n\u0131<\/strong> teminat alt\u0131na almaz.<\/p>\r\n<p data-start=\"5459\" data-end=\"5466\">Yani:<\/p>\r\n<ul data-start=\"5467\" data-end=\"5714\">\r\n<li data-start=\"5467\" data-end=\"5563\">\r\n<p data-start=\"5469\" data-end=\"5563\">Zemin oturmas\u0131, kaymas\u0131 veya toprak kayb\u0131 nedeniyle arsan\u0131n de\u011feri d\u00fc\u015ferse bu zarar \u00f6denmez.<\/p>\r\n<\/li>\r\n<li data-start=\"5564\" data-end=\"5620\">\r\n<p data-start=\"5566\" data-end=\"5620\">DASK sadece binan\u0131n yeniden in\u015fas\u0131 i\u00e7in \u00f6deme yapar.<\/p>\r\n<\/li>\r\n<li data-start=\"5621\" data-end=\"5714\">\r\n<p data-start=\"5623\" data-end=\"5714\">Ayr\u0131ca, sel, dolu, f\u0131rt\u0131na veya yang\u0131n gibi deprem d\u0131\u015f\u0131 afetler DASK teminat\u0131 d\u0131\u015f\u0131ndad\u0131r.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"5716\" data-end=\"5818\">Bu t\u00fcr riskler i\u00e7in \u201cDo\u011fal Afet Sigortas\u0131\u201d d\u0131\u015f\u0131nda <strong data-start=\"5767\" data-end=\"5798\">ek teminatl\u0131 \u00f6zel poli\u00e7eler<\/strong> tercih edilmelidir.<\/p>\r\n<h2 data-start=\"5825\" data-end=\"5880\"><strong data-start=\"5828\" data-end=\"5880\">7. Tapu, Kat M\u00fclkiyeti ve Sigorta Uyu\u015fmazl\u0131klar\u0131<\/strong><\/h2>\r\n<p data-start=\"5882\" data-end=\"6014\">Baz\u0131 durumlarda sigortal\u0131 ile tapu bilgileri uyu\u015fmad\u0131\u011f\u0131nda da tazminat \u00f6demesi reddedilebilir. Bu da <strong data-start=\"5983\" data-end=\"6003\">dask kapsam d\u0131\u015f\u0131<\/strong> say\u0131l\u0131r.<\/p>\r\n<p data-start=\"6016\" data-end=\"6026\">\u00d6rne\u011fin:<\/p>\r\n<ul data-start=\"6027\" data-end=\"6283\">\r\n<li data-start=\"6027\" data-end=\"6096\">\r\n<p data-start=\"6029\" data-end=\"6096\">Tapu, sigorta yapt\u0131ran ki\u015finin \u00fczerine de\u011filse, tazminat \u00f6denmez.<\/p>\r\n<\/li>\r\n<li data-start=\"6097\" data-end=\"6208\">\r\n<p data-start=\"6099\" data-end=\"6208\">Kat m\u00fclkiyeti olmayan, arsa payl\u0131 tapularda binan\u0131n hukuki stat\u00fcs\u00fc sigorta taraf\u0131ndan ge\u00e7ersiz say\u0131labilir.<\/p>\r\n<\/li>\r\n<li data-start=\"6209\" data-end=\"6283\">\r\n<p data-start=\"6211\" data-end=\"6283\">Adres bilgilerinin yanl\u0131\u015f girilmesi de hasar an\u0131nda sorun yaratabilir.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"6285\" data-end=\"6390\">Bu nedenle poli\u00e7eyi d\u00fczenletmeden \u00f6nce tapu bilgilerinizi ve adresinizi kontrol etmeniz b\u00fcy\u00fck \u00f6nem ta\u015f\u0131r.<\/p>\r\n<h2 data-start=\"6397\" data-end=\"6444\"><strong data-start=\"6400\" data-end=\"6444\">8. \u0130\u015fyerleri ve Ticari Kullan\u0131m Alanlar\u0131<\/strong><\/h2>\r\n<p data-start=\"6446\" data-end=\"6625\">DASK esas olarak konutlara y\u00f6nelik bir sigortad\u0131r. E\u011fer bina <strong data-start=\"6507\" data-end=\"6532\">tamamen ticari ama\u00e7la<\/strong> kullan\u0131l\u0131yorsa (\u00f6rne\u011fin fabrika, depo, ma\u011faza), bu yap\u0131 <strong data-start=\"6589\" data-end=\"6609\">dask kapsam d\u0131\u015f\u0131<\/strong> kabul edilir.<\/p>\r\n<p data-start=\"6627\" data-end=\"6823\">Ayr\u0131ca konutun bir k\u0131sm\u0131 i\u015fyeri olarak kullan\u0131l\u0131yorsa, o b\u00f6l\u00fcme ait zarar da DASK teminat\u0131na dahil edilmez.<br data-start=\"6734\" data-end=\"6737\" \/>Ticari i\u015fletmeler i\u00e7in \u00f6zel olarak geli\u015ftirilen \u201ci\u015f yeri sigortas\u0131\u201d yapt\u0131rmak gerekir.<\/p>\r\n<h2 data-start=\"6830\" data-end=\"6893\"><strong data-start=\"6833\" data-end=\"6893\">9. Sigorta \u015eartlar\u0131, Muafiyet ve Bildirim Y\u00fck\u00fcml\u00fcl\u00fckleri<\/strong><\/h2>\r\n<p data-start=\"6895\" data-end=\"7053\">Her DASK poli\u00e7esinde k\u00fc\u00e7\u00fck bir <strong data-start=\"6926\" data-end=\"6944\">muafiyet oran\u0131<\/strong> bulunur. Yani zarar\u0131n k\u00fc\u00e7\u00fck bir k\u0131sm\u0131 sigortal\u0131 taraf\u0131ndan kar\u015f\u0131lan\u0131r. Bu oran genellikle %2 civar\u0131ndad\u0131r.<\/p>\r\n<p data-start=\"7055\" data-end=\"7203\">Ayr\u0131ca hasar sonras\u0131 do\u011fru ve zaman\u0131nda bildirim yap\u0131lmazsa, \u00f6deme yap\u0131lmayabilir.<br data-start=\"7137\" data-end=\"7140\" \/>Bu da uygulamada <strong data-start=\"7157\" data-end=\"7177\">dask kapsam d\u0131\u015f\u0131<\/strong> bir duruma d\u00f6n\u00fc\u015febilir.<\/p>\r\n<p data-start=\"7205\" data-end=\"7214\">K\u0131saca:<\/p>\r\n<ul data-start=\"7215\" data-end=\"7428\">\r\n<li data-start=\"7215\" data-end=\"7286\">\r\n<p data-start=\"7217\" data-end=\"7286\">Hasar an\u0131nda sigorta \u015firketine 15 g\u00fcn i\u00e7inde bildirim yap\u0131lmal\u0131d\u0131r.<\/p>\r\n<\/li>\r\n<li data-start=\"7287\" data-end=\"7355\">\r\n<p data-start=\"7289\" data-end=\"7355\">Eksik veya yanl\u0131\u015f bilgi verilmesi halinde tazminat iptal edilir.<\/p>\r\n<\/li>\r\n<li data-start=\"7356\" data-end=\"7428\">\r\n<p data-start=\"7358\" data-end=\"7428\">Poli\u00e7e s\u00fcresi dolmu\u015fsa, hasar o d\u00f6neme aitse, DASK ge\u00e7erli say\u0131lmaz.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"7430\" data-end=\"7501\">Bu t\u00fcr ihmaller, kullan\u0131c\u0131 kaynakl\u0131 \u201ckapsam d\u0131\u015f\u0131\u201d sonu\u00e7lar do\u011furabilir.<\/p>\r\n<h2 data-start=\"122\" data-end=\"163\"><strong data-start=\"125\" data-end=\"163\">10. DASK Kapsam\u0131na Girmeyen Binalar<\/strong><\/h2>\r\n<p data-start=\"165\" data-end=\"307\">Her bina DASK teminat\u0131 kapsam\u0131nda de\u011fildir. Baz\u0131 yap\u0131lar, sigortan\u0131n kurallar\u0131na g\u00f6re <strong data-start=\"251\" data-end=\"286\">DASK kapsam\u0131na girmeyen binalar<\/strong> aras\u0131nda yer al\u0131r.<\/p>\r\n<p data-start=\"309\" data-end=\"328\">Ba\u015fl\u0131ca \u00f6rnekler:<\/p>\r\n<ul data-start=\"329\" data-end=\"791\">\r\n<li data-start=\"329\" data-end=\"435\">\r\n<p data-start=\"331\" data-end=\"435\"><strong data-start=\"331\" data-end=\"366\">Ruhsats\u0131z veya imars\u0131z binalar:<\/strong> Yap\u0131 mevzuat\u0131na uygun olmayan binalar sigorta kapsam\u0131nda de\u011fildir.<\/p>\r\n<\/li>\r\n<li data-start=\"436\" data-end=\"533\">\r\n<p data-start=\"438\" data-end=\"533\"><strong data-start=\"438\" data-end=\"474\">Kamu binalar\u0131 ve resmi daireler:<\/strong> Devlet g\u00fcvencesi alt\u0131nda olduklar\u0131 i\u00e7in DASK uygulanmaz.<\/p>\r\n<\/li>\r\n<li data-start=\"534\" data-end=\"663\">\r\n<p data-start=\"536\" data-end=\"663\"><strong data-start=\"536\" data-end=\"577\">Ticari veya in\u015faat h\u00e2lindeki yap\u0131lar:<\/strong> Konut olarak kullan\u0131lmayan veya yap\u0131m\u0131 tamamlanmam\u0131\u015f binalar teminat d\u0131\u015f\u0131nda kal\u0131r.<\/p>\r\n<\/li>\r\n<li data-start=\"664\" data-end=\"791\">\r\n<p data-start=\"666\" data-end=\"791\"><strong data-start=\"666\" data-end=\"720\">27 Aral\u0131k 1999\u2019dan \u00f6nce yap\u0131lan baz\u0131 eski yap\u0131lar:<\/strong> Belirli kriterleri kar\u015f\u0131lamayan eski binalar DASK kapsam\u0131na al\u0131nmaz.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p data-start=\"793\" data-end=\"918\">Bu bilgiler, hem DASK\u2019\u0131n hangi binalar\u0131 g\u00fcvence alt\u0131na ald\u0131\u011f\u0131n\u0131 anlaman\u0131za hem de gerekli \u00f6nlemleri alman\u0131za yard\u0131mc\u0131 olur.<\/p>\r\n<h2 data-start=\"7508\" data-end=\"7538\"><strong data-start=\"7511\" data-end=\"7538\">11. S\u0131k Sorulan Sorular<\/strong><\/h2>\r\n<h3 data-start=\"7540\" data-end=\"7579\">1. <strong data-start=\"7547\" data-end=\"7577\">DASK e\u015fyalar\u0131 kar\u015f\u0131lar m\u0131?<\/strong><\/h3>\r\n<p data-start=\"7580\" data-end=\"7666\">Hay\u0131r. DASK yaln\u0131zca binan\u0131n kendisini kapsar, e\u015fyalar i\u00e7in konut sigortas\u0131 gerekir.<\/p>\r\n<h3 data-start=\"7668\" data-end=\"7711\">2. <strong data-start=\"7675\" data-end=\"7709\">Ruhsats\u0131z eve DASK yap\u0131l\u0131r m\u0131?<\/strong><\/h3>\r\n<p data-start=\"7712\" data-end=\"7798\">Hay\u0131r. Ruhsats\u0131z veya tapusuz binalara DASK yap\u0131lmaz, yap\u0131lsa bile ge\u00e7ersiz say\u0131l\u0131r.<\/p>\r\n<h3 data-start=\"7800\" data-end=\"7840\">3. <strong data-start=\"7807\" data-end=\"7838\">DASK arsa zarar\u0131n\u0131 \u00f6der mi?<\/strong><\/h3>\r\n<p data-start=\"7841\" data-end=\"7920\">Hay\u0131r, DASK yaln\u0131zca binay\u0131 teminat alt\u0131na al\u0131r, arsa de\u011feri teminat d\u0131\u015f\u0131d\u0131r.<\/p>\r\n<h3 data-start=\"7922\" data-end=\"7965\">4. <strong data-start=\"7929\" data-end=\"7963\">Kira kayb\u0131 DASK kapsam\u0131nda m\u0131?<\/strong><\/h3>\r\n<p data-start=\"7966\" data-end=\"8056\">Hay\u0131r. DASK sadece yap\u0131sal hasar\u0131 \u00f6der, kira kayb\u0131 veya ge\u00e7ici konaklama masraf\u0131 \u00f6demez.<\/p>\r\n<h3 data-start=\"8058\" data-end=\"8113\">5. <strong data-start=\"8065\" data-end=\"8111\">DASK yang\u0131n sonras\u0131 olu\u015fan zarar\u0131 \u00f6der mi?<\/strong><\/h3>\r\n<p data-start=\"8114\" data-end=\"8195\">E\u011fer yang\u0131n deprem kaynakl\u0131ysa \u00f6der, de\u011filse <strong data-start=\"8159\" data-end=\"8179\">dask kapsam d\u0131\u015f\u0131<\/strong> kabul edilir.<\/p>\r\n<h2 data-start=\"8202\" data-end=\"8259\"><strong data-start=\"8205\" data-end=\"8259\">DASK\u2019\u0131n Amac\u0131 ve S\u0131n\u0131rlar\u0131n\u0131 Bilmek Gerekir<\/strong><\/h2>\r\n<p data-start=\"8261\" data-end=\"8504\"><strong data-start=\"8261\" data-end=\"8281\">Dask kapsam d\u0131\u015f\u0131<\/strong> durumlar\u0131 bilmek, sigorta yapt\u0131ran her vatanda\u015f i\u00e7in \u00e7ok \u00f6nemlidir. \u00c7\u00fcnk\u00fc DASK, yaln\u0131zca binan\u0131n yeniden in\u015fas\u0131n\u0131 garanti alt\u0131na al\u0131r; e\u015fyalar, kira kayb\u0131, ruhsats\u0131z yap\u0131 veya arsa de\u011fer kayb\u0131 bu teminat\u0131n d\u0131\u015f\u0131nda kal\u0131r.<\/p>\r\n<p data-start=\"8506\" data-end=\"8642\">Bu nedenle, evinizin tam koruma alt\u0131nda olmas\u0131n\u0131 istiyorsan\u0131z, DASK\u2019a ek olarak <strong data-start=\"8586\" data-end=\"8605\">konut sigortas\u0131<\/strong> yapt\u0131rmak en do\u011fru ad\u0131m olacakt\u0131r.<\/p>\r\n<p data-start=\"8644\" data-end=\"9016\">\u00a0<\/p>\r\n<p data-start=\"8644\" data-end=\"9016\">Daha fazla bilgiye eri\u015fmek istiyorsan\u0131z a\u015fa\u011f\u0131daki bloglar\u0131m\u0131za da g\u00f6z atabilirsiniz.\u00a0<br data-start=\"8744\" data-end=\"8747\" \/><strong><a href=\"https:\/\/dask360.com\/blog\/dask-zorunlu-mu-2025-zorunlu-deprem-sigortasi-rehberi\/\"><span class=\"x19la9d6 x1fc57z9 x6ikm8r x10wlt62 x19co3pv x1g5zs5t xfibh0p xiy17q3 x1xsqp64 x1lkfr7t xexx8yu xyri2b x18d9i69 x1c1uobl\"><span class=\"xrtxmta x1bhl96m\">\ud83d\udd17<\/span><\/span>DASK Zorunlu mu? 2025 Zorunlu Deprem Sigortas\u0131 Rehberi<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"Dask kapsam d\u0131\u015f\u0131 durumlar, Zorunlu Deprem Sigortas\u0131\u2019n\u0131n (DASK) teminat alt\u0131na almad\u0131\u011f\u0131 zarar ve ko\u015fullar\u0131 ifade eder. T\u00fcrkiye\u2019de milyonlarca&hellip;","protected":false},"author":1,"featured_media":1735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"footnotes":""},"categories":[14,1],"tags":[],"class_list":["post-1732","post","type-post","status-publish","format-standard","has-post-thumbnail","category-dask","category-uncategorized","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DASK Kapsam D\u0131\u015f\u0131 Durumlar: Sigortan\u0131n Kar\u015f\u0131lamad\u0131\u011f\u0131 Zararlar - Dask360.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dask360.com\/blog\/dask-kapsam-disi-durumlar\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DASK Kapsam D\u0131\u015f\u0131 Durumlar: Sigortan\u0131n Kar\u015f\u0131lamad\u0131\u011f\u0131 Zararlar - Dask360.com\" \/>\n<meta property=\"og:description\" content=\"Dask kapsam d\u0131\u015f\u0131 durumlar, Zorunlu Deprem Sigortas\u0131\u2019n\u0131n (DASK) teminat alt\u0131na almad\u0131\u011f\u0131 zarar ve ko\u015fullar\u0131 ifade eder. 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